Lamb Financial
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FINANCING YOUR HOME
RENOVATION OR ADDITION

We can determine the right financing path for you

Lamb Financial specializes in delivering tailored financing solutions for your home renovations and additions. With over 35 years of experience, we’ve helped clients turn their ideas into reality without unnecessary delays or financial stress. Buy, build, or remodel your perfect home with our wide range of flexible loan options. Whether you’re planning a small upgrade or a major transformation, we’ll help you choose the right financing for your goals.

Lamb Financial renovation and construction loans can be used for: 

  • Minor and major home renovations 
  • Structural improvements and layout changes 
  • Home additions 
  • Accessory dwelling units (ADUs) 
  • Exterior renovations and makeovers 
  • Landscaping and hardscaping 
  • Appliances, fixtures, and home décor related to the project



Renovation & Home Equity Loan Programs

Conventional/Jumbo Loans for a Newly Constructed Home

Renovation Home Equity Line of Credit (Renovation HELOC)

  • Lines up to $750,000 
  • No impact on your current mortgage—keep your great rate 
  • Variable interest rate
  • As-Complete (After Renovation Value) appraisal
  • Pay interest only on the portion you use 
  • Flexible principal repayment options
  • No prepayment fees or penalties
  • Best for: Phased renovations, additions, or projects with evolving costs 

Family settling into new home after FHA Home Loan

Renovation Mortgage

If you prefer one loan and one payment, or if your current mortgage rate is not super-low, a renovation mortgage may be the right fit.

  • Loan amounts up to $2,000,000 or higher 
  • Replaces your existing mortgage 
  • Fixed or variable rates
  • As-Complete appraisal to maximize borrowing power. 
  • Best for: Major renovations or additions where combining balances simplifies finances.
Military couple outside home with VA Loan

Rapid Renovation Loan

Need funds fast with minimal paperwork? This is one of our most popular options.

  • Loan amounts up to $100,000 
  • No impact on your current mortgage
  • Fixed interest rate
  • No appraisal
  • No closing costs
  • Approval in 24–48 business hours
  • Funds deposited in as little as 48 hours
  • No prepayment fees
  • Best for: Quick upgrades, repairs, or smaller renovation projects
Conventional/Jumbo Loans for a Newly Constructed Home

Standard Home Equity Line of Credit (HELOC)

A traditional HELOC offers flexibility for ongoing projects.

  • Lines up to $750,000 
  • No impact on your current mortgage 
  • Variable interest rate
  • As-Is appraisal 
  • Interest-only payments on funds used 
  • Flexible repayment options 
  • No prepayment fees or penalties
Family settling into new home after FHA Home Loan

Standard Home Equity Loan

Prefer predictable payments? A home equity loan delivers certainty.

  • Loan amounts up to $300,000 
  • No impact on your current mortgage 
  • Fixed interest rate 
  • As-Is appraisal 
  • Fixed principal and interest payment 
  • No prepayment fees or penalties
Military couple outside home with VA Loan

Cash-Out Refinance

In some situations, refinancing can be a powerful renovation tool.

  • Loan amounts up to $2,000,000 (higher case-by-case) 
  • Replaces your existing mortgage
  • Often the lowest rate option for homeowners with no mortgage
  • Fixed or variable rates
  • As-Is appraisal

  • No prepayment fees



Homeowners choose Lamb because our renovation financing programs are built around what homeowners actually need. Unlike large banks, we offer flexible options including up to 100% project financing, future-value appraisals, multiple loan structures, and fixed or variable rates, all with no prepayment penalties. With loan amounts up to $2 million and funding available in as little as 48 hours, we make it easy to move forward with confidence.


We Finance your Dream with Renovation & Construction Loans

Unparalleled Options

We offer many ways to finance your home addition or renovation

Keep Your Great Rate

We can finance your project without impacting your current mortgage rate

Dream Big

Building a new home or renovating is a great way to make it yours